.pmt-calc{--pmt-primary: #0284c7;--pmt-secondary: #0ea5e9;--pmt-accent: #7dd3fc;--pmt-bg: #f0f9ff;--pmt-card-bg: #ffffff;--pmt-text: #0c4a6e;--pmt-text-muted: #0369a1;--pmt-border: #bae6fd;--pmt-shadow: 0 4px 20px rgba(2, 132, 199, .12);max-width:900px;margin:0 auto;font-family:system-ui,-apple-system,sans-serif}.pmt-header{text-align:center;margin-bottom:2rem}.pmt-title{font-size:2rem;font-weight:800;color:var(--pmt-primary);margin:0 0 .5rem}.pmt-description{color:var(--pmt-text-muted);font-size:1.1rem;margin:0}.pmt-formula-container{background:linear-gradient(135deg,var(--pmt-bg) 0%,#e0f2fe 100%);border-radius:16px;padding:1.5rem;margin-bottom:2rem;border:1px solid var(--pmt-border)}.pmt-formula-title{font-size:1.1rem;font-weight:700;color:var(--pmt-primary);margin:0 0 1rem;text-align:center}.pmt-formula-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1rem}.pmt-formula-card{background:var(--pmt-card-bg);border-radius:12px;padding:1rem;text-align:center}.pmt-formula-label{display:block;font-size:.85rem;font-weight:600;color:var(--pmt-text-muted);margin-bottom:.5rem}.pmt-formula-math{font-size:.9rem;color:var(--pmt-text);overflow-x:auto}.pmt-form-container{background:var(--pmt-card-bg);border-radius:16px;padding:1.5rem;box-shadow:var(--pmt-shadow);margin-bottom:2rem}.pmt-form{display:flex;flex-direction:column;gap:1.25rem}.pmt-input-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1rem}.pmt-input-group{display:flex;flex-direction:column;gap:.5rem}.pmt-label{font-weight:600;font-size:.9rem;color:var(--pmt-text)}.pmt-input{width:100%;padding:.875rem 1rem;border:2px solid var(--pmt-border);border-radius:10px;font-size:1rem;background:var(--pmt-bg);box-sizing:border-box}.pmt-input:focus{outline:none;border-color:var(--pmt-primary);background:#fff}.pmt-buttons{display:flex;gap:1rem;margin-top:.5rem}.pmt-btn{flex:1;padding:1rem;border:none;border-radius:10px;font-size:1rem;font-weight:700;cursor:pointer}.pmt-btn-primary{background:linear-gradient(135deg,var(--pmt-primary) 0%,var(--pmt-secondary) 100%);color:#fff}.pmt-btn-secondary{background:var(--pmt-bg);color:var(--pmt-text-muted);border:2px solid var(--pmt-border)}.pmt-results{background:var(--pmt-card-bg);border-radius:16px;padding:1.5rem;box-shadow:var(--pmt-shadow);margin-bottom:2rem}.pmt-results-title{font-size:1.25rem;font-weight:700;color:var(--pmt-primary);margin:0 0 1.5rem;text-align:center}.pmt-results-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1rem}.pmt-result-card{background:var(--pmt-bg);border-radius:12px;padding:1.25rem;text-align:center}.pmt-result-main{grid-column:1 / -1;background:linear-gradient(135deg,var(--pmt-primary) 0%,var(--pmt-secondary) 100%)}.pmt-result-main .pmt-result-label,.pmt-result-main .pmt-result-value{color:#fff}.pmt-result-label{display:block;font-size:.8rem;font-weight:600;color:var(--pmt-text-muted);margin-bottom:.25rem}.pmt-result-value{display:block;font-size:1.75rem;font-weight:800;color:var(--pmt-primary)}.pmt-content{margin-top:3rem}.pmt-content-section{margin-bottom:2.5rem}.pmt-content-title{font-size:1.5rem;font-weight:700;color:var(--pmt-text);margin:0 0 1rem;padding-bottom:.5rem;border-bottom:3px solid var(--pmt-primary)}.pmt-content-text{color:var(--pmt-text-muted);line-height:1.7;margin:0 0 1rem}.pmt-features-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1rem;margin-top:1.5rem}.pmt-feature-card{background:var(--pmt-bg);border-radius:12px;padding:1.25rem;text-align:center}.pmt-feature-icon{font-size:2rem;display:block;margin-bottom:.75rem}.pmt-feature-title{font-size:1rem;font-weight:700;color:var(--pmt-text);margin:0 0 .5rem}.pmt-feature-desc{font-size:.85rem;color:var(--pmt-text-muted);margin:0}.pmt-table-wrapper{overflow-x:auto;border-radius:12px;margin-top:1.5rem}.pmt-table{width:100%;border-collapse:collapse;background:#fff;font-size:.9rem}.pmt-table th{background:var(--pmt-primary);color:#fff;padding:.875rem 1rem;text-align:left}.pmt-table td{padding:.75rem 1rem;border-bottom:1px solid var(--pmt-border)}.pmt-table-highlight{font-weight:700;color:var(--pmt-primary)}.pmt-tips-grid{display:grid;gap:1rem;margin-top:1.5rem}.pmt-tip-card{display:flex;gap:1rem;background:var(--pmt-card-bg);border-radius:12px;padding:1.25rem;border-left:4px solid var(--pmt-primary)}.pmt-tip-icon{font-size:1.5rem}.pmt-tip-title{font-size:1rem;font-weight:700;color:var(--pmt-text);margin:0 0 .5rem}.pmt-tip-text{font-size:.9rem;color:var(--pmt-text-muted);margin:0}.pmt-faqs{display:flex;flex-direction:column;gap:1rem;margin-top:1.5rem}.pmt-faq-item{background:var(--pmt-card-bg);border-radius:12px;padding:1.25rem}.pmt-faq-question{font-size:1rem;font-weight:700;color:var(--pmt-primary);margin:0 0 .75rem}.pmt-faq-answer{font-size:.9rem;color:var(--pmt-text-muted);margin:0;line-height:1.6}@media (max-width: 768px){.pmt-input-grid{grid-template-columns:1fr}.pmt-results-grid{grid-template-columns:repeat(2,1fr)}}